Learn · Toolkit

Four calculators.
Every number explained.

Change any field and the chart updates. Nothing is saved or sent anywhere.

Compound interest

Watch a monthly habit turn into a number with a comma in it.

Starting amount ($)

Monthly contribution ($)

Annual return (%)

Years

Balance after 30 years

$854,537.00

You put in

$190,000.00

Growth earned

$664,537.00

350% on top of contributions

Rule of 72: at 8% a year, money doubles roughly every 9.0 years. The gap between the two lines is the part you never had to earn.

50/30/20

Half to needs, a third to wants, a fifth to savings. A starting point, not a law.

Emergency fund first

Three to six months of expenses in a high-yield savings account before anything riskier.

Kill expensive debt

Paying off a 20% credit card is a guaranteed 20% return. Nothing else offers that.